Diversified income tilted global equity mix with strong value and low volatility factor exposure

Report created on Apr 8, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio is a simple five‑ETF, equal‑weight structure, all in stocks, with a clear tilt toward dividends and international exposure. Three funds target high or premium income, one focuses on international small‑cap value, and another on international developed momentum. Having everything at 20% keeps things straightforward and avoids any single ETF dominating by design. A 100% equity mix fits a “balanced but growth‑minded” approach when combined with low‑volatility and income tilts. The main takeaway is that this is a focused, equity‑only portfolio built to generate above‑average income while still capturing global equity growth, especially outside the US, using factor strategies rather than plain broad-market trackers.

Growth Info

Over the recent period, $1,000 grew to about $1,790, which is a very strong outcome. The portfolio’s compound annual growth rate (CAGR – the average yearly growth rate) of 27.19% beat both the US and global market benchmarks by roughly 4.5 percentage points per year. Max drawdown, the worst peak‑to‑trough fall, was -13.39%, actually shallower than both benchmarks. That combo of higher return and smaller worst drop is rare and very positive, though it may not persist. Also, 90% of returns came from only 28 days, showing returns were “lumpy.” The key point: results have been excellent so far, but they’re based on a fairly short, favorable window, so expectations should be kept realistic.

Projection Info

The Monte Carlo simulation looks at many possible 15‑year paths by remixing historical return and volatility patterns to create 1,000 different “futures.” It’s like running the same movie with different plot twists each time. The median outcome takes $1,000 to about $2,668, implying around 7.9% per year, with a wide but reasonable spread: roughly $1,745–$4,180 in the middle half of scenarios. There’s about a 73% chance of ending with a positive return, but also some low‑probability weak outcomes. As with all simulations, this is based on past behavior and assumptions about markets and cash yields, so it’s a guide, not a promise. It does suggest the risk/return tradeoff is broadly in line with a growth‑oriented equity portfolio.

Asset classes Info

  • Stocks
    100%

All holdings are in equities, with no bonds, cash, or alternatives in the mix. That’s important because asset classes are the main driver of long‑term risk and return: stocks historically offer higher growth but bigger swings, while bonds and cash smooth the ride. A 100% equity allocation typically fits investors with long horizons and the ability to sit through market downturns without changing course. The positive here is clarity: this portfolio is clearly built for equity growth and income, not short‑term stability. The tradeoff is that overall volatility will be higher than a blended stock‑bond portfolio, so any overall “balanced” feeling is coming from factor choices (like value, yield, low volatility), not from mixing different asset classes.

Sectors Info

  • Financials
    23%
  • Technology
    18%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Basic Materials
    8%
  • Consumer Staples
    7%
  • Telecommunications
    6%
  • Utilities
    6%
  • Energy
    4%
  • Health Care
    3%
  • Real Estate
    3%

Sector exposure is nicely spread, with financials largest at 23%, technology at 18%, and meaningful allocations across industrials, consumer sectors, materials, telecoms, utilities, energy, health care, and real estate. That broad spread is a good sign; it avoids putting all the eggs in one economic basket and compares favorably to typical global benchmarks where tech often dominates. The financials tilt is consistent with dividend and value strategies, since banks and insurers frequently pay higher yields. The flip side is that performance can be more sensitive to interest-rate cycles and economic stress in financial systems. The key takeaway is that this sector mix looks well-balanced overall, with a slight income‑friendly lean, which supports diversification across different parts of the economy.

Regions Info

  • North America
    46%
  • Europe Developed
    27%
  • Japan
    14%
  • Asia Developed
    4%
  • Australasia
    3%
  • Africa/Middle East
    3%
  • Asia Emerging
    2%
  • Latin America
    1%

Geographically, about 46% is in North America, with the rest mostly in developed markets: 27% Europe, 14% Japan, plus smaller slices in developed Asia, Australasia, and a modest allocation to emerging regions. Compared to a typical global market index that is often over half US‑centric, this is more internationally diversified and less US‑dominated. That’s a real strength: it spreads currency and economic risk across several major regions, instead of tying everything to one country’s fortunes. At the same time, it means returns may differ more from US‑only benchmarks and could lag in stretches when the US strongly outperforms. Overall, this regional split is broadly diversified and nicely aligned with a global equity mindset while still keeping a solid North American core.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    30%
  • Mid-cap
    21%
  • Small-cap
    9%
  • Micro-cap
    1%

Market cap exposure is tilted toward larger companies, with about 38% in mega‑caps and 30% in large‑caps, plus meaningful mid‑cap (21%) and small‑cap (9%) exposure, and a tiny slice in micro‑caps. Bigger companies tend to be more stable and widely researched, so this structure helps reduce single‑stock blowup risk compared with a very small‑cap‑heavy approach. The mid‑ and small‑cap slice adds growth and diversification, especially through the international small‑cap value fund, which behaves differently from mega‑cap tech or big banks. The net effect is a sensible blend: heavy enough in giants to keep risk manageable, with enough smaller names to add diversification and potential return uplift, particularly outside the US, without making the portfolio feel overly speculative.

True holdings Info

  • NVIDIA Corporation
    3.00%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
  • Apple Inc
    2.63%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
  • Microsoft Corporation
    2.03%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
  • HSBC Holdings PLC
    1.20%
    Part of fund(s):
    • Invesco S&P International Developed Momentum ETF
    • Vanguard International High Dividend Yield Index Fund ETF Shares
  • Broadcom Inc
    1.16%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
  • Alphabet Inc Class A
    1.07%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
  • Amazon.com Inc
    0.90%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
  • Tesla Inc
    0.75%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • LS 1x Tesla Tracker ETP Securities GBP
  • Banco Santander S.A.
    0.74%
    Part of fund(s):
    • Invesco S&P International Developed Momentum ETF
  • Toronto Dominion Bank
    0.71%
    Part of fund(s):
    • Invesco S&P International Developed Momentum ETF
  • Top 10 total 14.19%

Looking through ETF top holdings, there’s meaningful exposure to big global names like NVIDIA, Apple, Microsoft, Alphabet, Amazon, and Tesla, plus large international banks like HSBC, Santander, and TD Bank. None of these look individually extreme, but together they show a hidden tilt toward mega‑cap tech and global financials across several funds. Because only top‑10 ETF holdings are used, this overlap is likely understated. Hidden concentration matters because a handful of large names can drive performance and risk more than it first appears. The practical takeaway: while the ETF list feels diversified, a chunk of the ride still depends on how a relatively small set of major global companies performs, especially the large US tech leaders.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 80%
Size
Exposure to smaller companies
Low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 60%
Quality
Preference for financially healthy companies
Neutral
Data availability: 40%
Yield
Preference for dividend-paying stocks
High
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure is where this portfolio really stands out. There’s a high tilt to value (67%), yield (73%), and low volatility (61%), with size low (30%), and momentum and quality roughly neutral. Factors are like the underlying “personality traits” of stocks that research links to long‑term returns. A strong value and yield tilt points to a preference for cheaper, income‑producing companies, often more mature businesses. The low‑volatility tilt suggests holdings that historically moved less than the market, which can cushion downturns. The tradeoff is less exposure to fast‑growing, high‑valuation stories and smaller companies. This profile can shine in choppy or sideways markets but may lag in roaring growth-led rallies. It’s a coherent, income‑oriented factor setup that supports a smoother equity ride.

Risk contribution Info

  • Invesco S&P International Developed Momentum ETF
    Weight: 20.00%
    23.0%
  • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    Weight: 20.00%
    21.3%
  • Avantis® International Small Cap Value ETF
    Weight: 20.00%
    21.1%
  • Vanguard International High Dividend Yield Index Fund ETF Shares
    Weight: 20.00%
    18.1%
  • Fidelity® High Dividend ETF
    Weight: 20.00%
    16.5%

Risk contribution shows how much each ETF actually drives the portfolio’s ups and downs, which can differ from its simple weight. Here, all five funds are equally weighted at 20%, but the top three—international momentum, Nasdaq income, and international small-cap value—together contribute about 65% of overall risk. Each of those carries slightly more risk than its weight, while the two high‑dividend funds contribute less risk than their 20% slices. That means the portfolio’s day‑to‑day swings are driven more by the momentum and value/small‑cap exposures than by the higher‑yield, more defensive pieces. A practical takeaway: small tweaks to the higher‑risk ETFs would meaningfully change overall volatility, while changing the lower‑risk dividend funds would have a milder impact.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

The efficient frontier analysis shows the current portfolio has a Sharpe ratio of 1.5, with about 25.2% return and 14.1% risk, while the best risk‑adjusted mix of these same holdings reaches a Sharpe of 1.85. The Sharpe ratio measures return per unit of risk, so higher is better. Being about 1.7 percentage points below the frontier at the current risk level suggests the same five ETFs could be reweighted to squeeze out better risk/return tradeoffs without adding anything new. The minimum‑variance mix still offers strong returns at noticeably lower volatility and a higher Sharpe than the current setup. The big insight: the building blocks are strong; fine‑tuning the weights could make the overall package more efficient.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.90%
  • Fidelity® High Dividend ETF 3.00%
  • Goldman Sachs Nasdaq-100 Core Premium Income ETF 10.70%
  • Invesco S&P International Developed Momentum ETF 3.70%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.60%
  • Weighted yield (per year) 4.78%

The overall dividend yield sits around 4.78%, which is comfortably above typical broad equity market yields. One holding, the Nasdaq‑100 premium income ETF, has an especially high yield above 10%, likely reflecting option‑based income strategies, while the others cluster around 3–3.7%. Dividends matter because they provide a tangible cash return that doesn’t depend on selling shares, which can be attractive for funding spending or reinvesting over time. The tradeoff is that high-income strategies sometimes cap some upside in very strong bull markets. Still, this yield profile is a real strength: it supports investors who like seeing regular cash flow while staying fully invested in equities, rather than needing to shift into bonds purely for income.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Fidelity® High Dividend ETF 0.15%
  • Goldman Sachs Nasdaq-100 Core Premium Income ETF 0.29%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.25%

The average total expense ratio (TER) across the five ETFs is about 0.25%, which is impressively reasonable for a portfolio using specialized factor and income strategies rather than plain vanilla index funds. TER is the annual fee, expressed as a percentage, that quietly comes out of fund assets each year. Lower ongoing costs leave more of the returns in your pocket and compound meaningfully over decades. While there may be slightly cheaper options in some niches, this cost level is solid given the mix of international small‑cap, momentum, and premium income approaches. Overall, fees are a definite positive here, supporting better long‑term outcomes without having to sacrifice the desired factor tilts or income focus.

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